Hoxie, KS · Cert 26832
FDIC · 3 branches
Q4 2016
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2016, the quarter ended December 31, 2016, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Hoxie, KS · Cert 26832
FDIC · 3 branches
Q4 2016
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q4 2015 | Q1 2016 | Q2 2016 | Q3 2016 | Q4 2016 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 2.14% | 2.71% | 2.67% | 2.70% | 2.53% | +39 bps | |
| Return on Equity | 18.15% | 21.96% | 21.38% | 21.14% | 19.51% | +137 bps | |
| Net Interest Margin | 4.23% | 4.42% | 4.49% | 4.50% | 4.32% | +9 bps | |
| Efficiency Ratio | 46.93% | 37.83% | 38.16% | 38.16% | 42.92% | -401 bps | |
| Non-Interest Burden | 1.82% | 1.53% | 1.57% | 1.56% | 1.69% | -14 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 1.01% | -2.26% | -0.62% | 1.13% | 2.37% | +136 bps | |
| Loan Growth (YoY) | 3.63% | 13.17% | 2.00% | 2.65% | -1.35% | -498 bps | |
| Deposit Growth (YoY) | -0.98% | -6.57% | -1.73% | -0.13% | 1.48% | +245 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0 bps | |
| Allowance / Loans | 1.43% | 1.43% | 1.50% | 1.54% | 1.56% | +13 bps | |
| Allowance Coverage of NPLs | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Capital | |||||||
| Tier 1 Leverage Ratio | 12.20% | 12.29% | 12.79% | 13.50% | 13.39% | +119 bps | |
| Total Risk-Based Capital | 13.57% | 13.74% | 14.43% | 15.02% | 15.51% | +194 bps | |
| Equity / Assets | 12.22% | 12.49% | 12.81% | 13.53% | 13.65% | +143 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 104.98% | 109.44% | 104.82% | 105.73% | 102.06% | -292 bps | |
| Liquid Assets / Assets | 5.30% | 4.85% | 6.03% | 5.92% | 7.14% | +184 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | n/a | n/a | n/a |